Non-owner auto insurance in Oklahoma: Which company has the cheapest rates?

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Non-owner car insurance in Oklahoma costs $168 annually, which is $185 lower than the U.S. average, according to an Insure.com 2023 rate analysis.

In Oklahoma, non-owner policies are available from companies such as State Farm, Geico and Progressive.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Oklahoma.

How much does non-owner car insurance cost in Oklahoma?

Non-owner insurance is usually less expensive than full coverage auto insurance—insurers consider non-owner policyholders as less risky because they have limited access to a car.

On average in the U.S., it costs drivers with clean driving records and good credit scores $1,682 per year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In Oklahoma, full coverage car insurance costs $1,692.

On the other hand, non-owner auto insurance costs $353 a year on average in the United States and $168 in Oklahoma.

But actual rates are based on where in Oklahoma you live, your age and driving history and other points.

Which insurer offers the cheapest non-owner insurance rates in Oklahoma?

With an average annual cost of $87, USAA’s non-owner insurance policy is Oklahoma’s most affordable.

At $329 a year, Farmers charges the highest rate for non-owner insurance in the state.

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in Oklahoma

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Oklahoma by age?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Oklahoma non-owner insurance costs $170 a year for a 45-year-old, while it’s $956 for a 16-year-old driver.

Average non-owner car insurance rates in Oklahoma by age and gender

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Which Oklahoma cities have the cheapest non-owner auto insurance?

Rates differ from city to city. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

Below are the cheapest and most expensive cities for non-owner car insurance in Oklahoma.

The 20 Oklahoma cities with the lowest non-owner car insurance rates

The 20 Oklahoma cities with the highest non-owner auto insurance rates

How much is non-owner auto insurance in Oklahoma’s 10 biggest cities?

The largest cities in Oklahoma have different non-owner insurance rates. The cost of non-owner insurance in Oklahoma City is the highest at $237, while Enid has the least expensive rates of the state’s most populous cities at $158.

Non-owner car rates in Oklahoma’s 10 largest cities

How non-owner insurance rates in Oklahoma compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Oklahoma is $168 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner car insurance in Oklahoma

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Below are a few insurance companies with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

Explore other insurance options in Oklahoma

Average car insurance cost in Oklahoma

Average renters insurance cost in Oklahoma

Average homeowners insurance cost in Oklahoma

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.